Hi thanks for that I downloaded and read just a bit confusing though. The account was opened in 2002! I have requested a copy of charges which lloyds have sent. Do you know if anybody has been successful claiming or is it all pending? Not sure what the next step would be? Do I ask straight to reclaim or am i questioning the Terms & Conditions which it sounds like from the reading Lloyds never had in place? Thanks Gill

Okay thanks for that....I will get reading. Will I be able to find all the T & C on here?

Hi The dreaded Lloyds!!!

Hi I am new to this site and have just received a copy of my husbands business bank account charges since 2003. The amount is £2247.21 he was a landscape gardener and had to take a job last year due to the credit crunch!! He has had to set up a loan to pay back his overdraft which had amounted to approx £6000.00. Can somebody point me in the right direction for a template letter as I understand the business account reclaims are worded slightly different due to a different law?? Many Thanks Gill